Money suck we had save 3000 which may not be alot but cover both our regos and left overs for Christmas. Dp had an operation and had nearly 3 weeks off work (he was casual so didnt get paid and his income protection he had to have 60 days off work before he could claim anything) so we are down to no savings 2 regos due and Christmas presents we havent even started buying yet. Lucky dp got a new job not too long ago where he can work overtime so he will be putting in the hours. Which means im not going to see him much ahhh sorry bit of a vent/money trouble.

Does anybody in here not have savings? At the moment we are living week to week and dont even have a $1 in savings to dabble in if we are short Fx we aren't stuck in this rut for too long Its so overwhelming

We don't have any savings at all either. We don't have credit cards, or anything like that.... His whole income goes on bills and the cost of essentials (rent, school fees, groceries, electricity, gas etc).

We always stress about money and lack of. We live week to week so entertainment is very rare. I have been selling stuff on facebook bad pages to make a little extra cash & declutter, I go through phases where I will sell heaps one week then nothing the next. I am always looking for ways to supplement our income as when my ppl runs out in Feb I don't want to have to work fulltime.

Not stressed so much no, just always conscious of it though. I live stringently most of the time but like to indulge a bit at times. I always think very carefully about how best to spend my money though. Spent a bit on DS for Christmas, but thought a lot about his presents and what he'd like and will use a lot. I also save a lot by doing things myself (building/fixing things around house. Growing own veggies, making my own stuff etc.).

Id probably stress more about money if I actually had a lot though. Money is a very big deal to me.

I'm struggling, but mostly due to my own spending than anything else. I worked up a budget and I haven't been all that great at sticking to it in the last week. Must get back on track- there will be no left over money but bills will be paid and DS will have birthday presents under the Christmas tree.

We used to be in this situation. but beginning of this year i sat down with hubby and we looked at the mess we had gotten ourself into with cc and debt etc and I decided then and there I am not living like this anymore.

Almost a year on and we are finally coming out of that hole!

All overdue (some lots overdue) big bills are now paid and the only 'bill' i have to back pay is to my parents (lent us money when we were in the sh1t). Now in a place where i can chip away at that.

1 cc fully paid off and getting the other one done - should be done by early next year.

Then all the extra money will go to our car loans.

We put the mortage on interest only for 2 years with the sole intention of getting out of debt.

I also started funnelling my daycare rebate of $130 a week into a separate savings account - i calculated that $100 a week should cover rates, rego, water, termite cover etc - big bills. Now when a bill comes in the money is there - and this is the best feeling ever.

Another tip - ring up your electric company and ask to go on a payment plan thing - i pay $60 every week which covers me - i stil get the bill but by the time the next one comes the former is paid and i just keep paying $60 - takes a huge amount of stress away.

I also recommend shopping around for your insurance premiums - saved us a lot by doing this.

And definitely find a bank with a 0% transfer cc and transfer your ccs onto that and pay pay pay.

We have a week where we slip up now and then and spend more then we should but we dust ourselves off and focus on our goals.

Its still a ways off to being out of debt but fingers crossed end of next year the only debt we will have is our mortgage.

Seems a long way away to budget and save but im just trying to imagine a life without stress to motivate me.

With so many amazing reversible designs, the soft and cushioned Premium Bubba Mats are the perfect space for all the family. Not only do they look fantastic; you can also enjoy the quality and comfort for years to come.

True Fairies is the first interactive website where children can engage and speak with a real fairy through the unique webcam fairy portal. Each session is tailored to the child, and is filled with enchantment and magic.

Fun & interactive music classes! Classes are taught by professional musicians! Children are taught the fundamentals of music: beat, pitch, rhythm and tempo through hands-on experience. Click for more details!!!